You use full consonant plus virama (094D;DEVANAGARI SIGN VIRAMA) to
get a half consonant or ligature.  PATNI will be spelled

   PA + TA + virama + NA + vowel sign long I

Anusvara is NOT a "half m" but an independent modifier sign
(0902;DEVANAGARI SIGN ANUSVARA).  HAMSA is spelled

   HA + anusvara + SA

Read the chapter on Indian scripts in the Unicode standard (available
as PDF file from http://www.unicode.org/).

Stefan

-- 
Stefan Baums
Asien-Instituttet
K�benhavns Universitet

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